Loans & Grants in American states

Ex-Im Bank provides a guarantee on working capital loans provided by commercial lenders to help extend short-term loans to small- and medium-size businesses for their export funding needs. This resource includes information on eligibility and a list of participating lenders.

For companies with annual revenues under $250,000, this program provides medium- to long-term funding through direct loans and loan guarantees to eligible investment projects in developing countries and emerging markets.

Commodity loan programs allow producers of designated crops to receive a loan from the government at a commodity-specific loan rate per unit of production by pledging production as loan collateral. After harvest, a farmer may obtain a loan for all or part of the new commodity production.

FSA guaranteed loans provide lenders with a guarantee of up to 95 percent of the loss of principal and interest on a loan. Farmers and ranchers apply to an agricultural lender, which then arranges for the guarantee.

Loans aimed at improving economic and environmental climate in rural communities. Funds may be used for buying a business to keep it from closing; purchasing land, buildings, machinery or equipment; and related activities.

The CDC/504 loan program is a long-term financing tool for economic development within a community. The 504 Program provides growing businesses with long-term, fixed-rate financing for major fixed assets, such as land and buildings.

The SBA Export Express program provides exporters and lenders a streamlined method to obtain SBA backed financing for loans and lines of credit up to $500,000. Lenders use their own credit decision process and loan documentation; exporters get access to their funds faster. The SBA provides an expedited eligibility review and provides a response in 36 hours or less. To learn more, contact your local district office.

Small business owenrs and entrepreneurs don't always need large loans. The Advantage programs help business owners get crucial small loans (under $250,000) with a streamlined application, minimal paperwork, and fast turnaround times, while still offering SBA's highest guarantee. These funds are available to financial institutions for the purpose of extending credit to small businesses.

Small business owners and entrepreneurs don’t always need large loans. The Community Advantage and Small Loan Advantage programs help business owners get crucial smaller loans (under $250,000) with a streamlined application, minimal paperwork and fast turnaround times, while still offering SBA’s highest guarantee.

Small businesses, small agricultural cooperatives and certain private, non-profit organizations of all sizes that have suffered substantial economic injury resulting from a physical disaster or an agricultural production disaster designated by the Secretary of Agriculture may be eligible for the SBA's Economic Injury Disaster Loan Program.

If you are in a declared disaster area and are the victim of a disaster, you may be eligible for financial assistance from the U.S. Small Business Administration - even if you don't own a business. As a homeowner, renter and/or personal-property owner, you may apply to the SBA for a loan to help you recover from a disaster.

The SBA International Trade Loan program is a term loan designed for businesses that plan to start/continue exporting or those that that have been adversely affected by competition from imports. The proceeds of the loan must enable the borrower to be in a better position to compete.

Small business owners and entrepreneurs don't always need large loans. The Community Advantage and Small Loan Advantage programs help business owners get crucial small loans (under $250,000) with a streamlined application, minimal paperwork, and fast turnaround times, while still offering SBA's highest guarantee. These funds are available to financial institutions for the purpose of extending credit to small businesses.

If you are in a declared disaster area and are the victim of a disaster, you may be eligible for financial assistance from the U.S. Small Business Administration - even if you don't own a business. As a homeowner, renter and/or personal-property owner, you may apply to the SBA for a loan to help you recover from a disaster.

The Community Adjustment and Investment Program (CAIP) was established to assist U.S. companies doing business in areas of the country that have been negatively affected by the North American Free Trade Agreement (NAFTA). CAIP loans allow for the payment of fees on eligible loans, including the 7(a) Loan Program guaranty fee and the 504 program guaranty and CDC and lender fees. Depending on the size of the loan, these fees can be sizeable. CAIP works with SBA to reduce borrower costs and increase the availability of these programs.

Provides very small loans to start-up, newly established, or growing small business concerns. SBA makes funds available to nonprofit community based lenders which, in turn, make loans to eligible borrowers in amounts up to a maximum of $35,000. Applications are submitted to the local intermediary and all credit decisions are made on the local level.

Any business or private, nonprofit organization that is located in a declared disaster area and has incurred damage during the disaster may apply for a loan to help replace damaged property or restore it to the condition it was in before the disaster. If your business or private, nonprofit organization - large or small - has suffered physical damage as a result of a disaster, you may be eligible for financial assistance from the U.S. Small Business Administration. SBA makes physical disaster loans of up to $2 million to qualified businesses or private, nonprofit organizations.

For starting, acquiring and expanding a small business, 7(a) loans are the most basic and most used type loan of SBA's business loan programs. Borrowers must apply through a participating lender institution.

Provides financing to eligible small businesses for the planning, design, or installation of a pollution control facility. ** Note: Pollution Control loans are not being dispersed at this time. Please check back for updates.

Small business owenrs and entrepreneurs don't always need large loans. The Advantage programs help business owners get crucial small loans (under $250,000) with a streamlined application, minimal paperwork, and fast turnaround times, while still offering SBA's highest guarantee. These funds are available to financial institutions for the purpose of extending credit to small businesses.

The Employee Trusts program is designed to provide financial assistance to Employee Stock Ownership Plans. The SBA can assist qualified employee trusts that meet the requirements and conditions for an Employee Stock Ownership Plan (ESOP) as prescribed in all applicable IRS, Treasury, and Department of Labor regulations. Your small business must provide all the funds needed to collaterize and repay the loan.

The Military Reservist Economic Injury Disaster Loan program (MREIDL) provides funds to help an eligible small business meet ordinary and necessary operating expenses that it could have met, but is unable to meet, because an essential employee was called-up to active duty in their role as a military reservist.

The AETL Fund encourages Arkansas' companies to make investments in clean technologies and improvements in the energy efficiency of commercial and industrial processes and systems. Eligible projects meet one or more of the following criteria: demonstrate measurable improvements in energy efficiency, result in a reduction in energy demand, implement an energy recycling process such as waste-heat recovery, or implement a clean technology energy system.

Loans up to $100,000 to assist small and medium-sized businesses with the construction or renovation of privately-owned commercial buildings; equipment purchases needed to operate a business, and, in some cases, working capital.

This loan program encourages revitalization of targeted business districts in the city of Atlanta. Proceeds may be used for activities that include additions or improvements to commercial, industrial and mixed-use property; purchase of equipment and machinery; and energy conservation projects.

Loans are provided to for-profit businesses to finance development projects, establish new businesses and/or expansion of existing businesses. These funds may also be used to create employment opportunities and/or retain existing jobs for low and moderate-income persons.

Provides loans to existing small businesses, with a preference for those located in, moving to or expanding within revitalization corridors within the county. Proceeds may be used for purchasing machinery or equipment; real estate acquisition, construction, or rehabilitation; and leaseholder improvements.

The SBA makes funds available and DEBCO acts as an intermediary lender, making loans of up to $10,000 available to new and existing small businesses. DEBCO also provides management and technical assistance to help ensure success.

The current financing program assists Delaware small businesses with 500 or fewer employees when 100% financing cannot be obtained through a bank. Under the Green Industries Program, eligible businesses will be exempt from the requirement that 100% financing could not be obtained from a bank. Financing can be provided for fixed assets as well as working capital.

Provides forgivable loans based on the applicant company’s projected high-tech job creation. Forgivable loans recommended by DCI typically range from $100,000 to $250,000 depending upon the specifics of the project.

The Idaho Prime Loan Program "The Idaho Prime" is a loan program designed specifically with small businesses in mind. This innovative program is a cooperative effort between the Idaho State Treasurer, the Small Business Administration, and the banking community.

The purpose of the Indiana Brownfields Program's Revolving Loan Fund (RLF) incentive is to facilitate the redevelopment of brownfield sites by making low-cost funding available through low-to-zero interest loans to finance environmental cleanups.

The Agriculture Value Added Loan Program provides financial support for the creation and expansion of producer-based alliances and value-added businesses. Dollars from the program may be used by agricultural producers and entrepreneurs for activities such as business planning, product development, marketing and product sourcing.

NYBDC has financed a variety of different types of equipment for borrowers ranging from desks, chairs and computers, to industrial handling and manufacturer’s equipment, vehicles, construction equipment, printing presses, airplanes, barges, trains and more.

Provides refinancing loans for the purporses of reducing the interest rate and/or convert from a floating rate to a fixed rate; reducing the monthly payment by extending the loan maturity; converting short term debt to long term debt; and using the equity built up in fixed assets to provide cash for the growth of your business.

The Veterans Loan Program provides loans for working capital, business acquisition and purchase of real estate, machinery and equipment are available under this program. This program can be combined with other financing offered by NYBDC’s lending partners as participants or as separate credit facilities.

Provides loans and grants to the public and private sectors for infrastructure projects when private sector financing is not available. Projects must be located within 62 miles of the Mexican border and certified by the Border Environment Cooperation Commission (BECC).

Oklahoma businesses have access to many different types of loans - short-term and long-term, interest bearing and interest free, and those that support local communities in distress or those that support global marketing activities.

The Texas Department of Agriculture (TDA) administers numerous state and federal grants through various departments. From small rural communities to thriving urban areas, these funds benefit all Texans in a wide variety of areas.

For businesses considering locating in the State of Delaware, financial assistance may be provided in the form of low interest loans, grants, or other creative instruments to support the attraction of businesses that pay sustainable wages.

SBICs are privately owned and managed investment funds, licensed and regulated by SBA, that use their own capital plus funds borrowed with an SBA guarantee to make equity and debt investments in qualifying small businesses.

A developmental venture capital program designed to promote economic development and the creation of wealth and job opportunities in low-income geographic areas and among individuals living in such areas.

Akers Capital invests in emerging technology companies located in the Northwestern states and California, focused on the following technology sectors: Networking and Internet Infrastructure Computer Software Internet/Intranet Software and Services

It is designed to promote, grants under the Supportive Housing Program are awarded through a national competition held annually, as part of a local Continuum of Care strategy, the development of supportive housing and supportive services to assist homeless persons in the transition from homelessness and to enable them to live as independently as possible.

The Single Room Occupancy (SRO) Program provides rental assistance for applicable properties that will—when the renovations are complete contain upgraded single occupancy units for individuals who are homeless.

Disability Grant Program recipients will provide training, consultation, and information on domestic violence, dating violence, stalking, and sexual assault against individuals with disabilities and enhance direct services to such individuals. By statute, eligible applicants include states; units of local government; Indian tribal governments or tribal organizations; and non profit and non-governmental victim services organizations, such as a state domestic violence or sexual assault coalitions or nonprofit, nongovernmental organization serving disabled individuals.

Grants made under this grant program support programs that provide assistance to victims of domestic violence, dating violence, sexual assault, and stalking who are in need of transitional housing, short-term housing assistance, and related support services, including counseling, support groups, safety planning, and advocacy services as well as practical services such as licensed child care, employment services, transportation vouchers, telephones, and referrals to other agencies.

The primary purpose of the Rural Program is to enhance the safety of children, youth, and adults who are victims of domestic violence, dating violence, sexual assault, and stalking by supporting projects uniquely designed to address and prevent these crimes in rural jurisdictions. Eligible applicants are States, Indian tribes, local governments, and nonprofit, public, or private entities, including tribal nonprofit organizations and faith-based or community organizations.

These two programs award a specific percentage of Federal R&D funds to qualified small businesses. SBIR/STTR programs encourage small firms to undertake scientific research that helps meet Federal R&D objectives, and have high potential for commercialization if successful.

Provides loans and grants to support economic development projects and initiatives that result in job retention or creation with salaries at or above the average county wage. Eligible applicants include communities, counties, economic development organizations, public and private universities, tribal nations and private companies in operation at least 2 years with good credit. Note: The CEDC will not be accepting applications for funding until further notice. Please check the CEDC website for details.

To enhance business growth and investment in Arizona, Commerce has contracted with industry and technology experts to provide Technology & Market Assessment grants that review and validate technologies, conduct competitive analysis, and explore market potential. Note: As of 3/17/2011, this program is on hold until further notice. Please check the Arizona Commerce Authority website for updates.

Provides competitive federal grants, low interest loans and technical assistance to promote energy resource development on Indian lands, including the development of generation, transmission and distribution facilities on tribal lands. Funding, project priorities and deadlines vary annually; contact the Arizona State
Energy Office for more details.

The Trade Adjustment Assistance Program provides grants to manufacturing and producing companies which have experienced declines in sales and employment partially due to foreign competition. Eligible applicants must be an autonomous legal entity, have US operations, and have been in business for at least two years. Based on two 12-month periods that ended within the last 120 days, a company must show that total net sales and monthly employee headcount have declined as a result of imports.

Provides grants encouraging recycling opportunities, education, and research and development. Matching funds are required, and the cash or in-kind match amount differs in each category, as do the maximum grant amounts available.

The Arkansas Science & Technology Authority will fund up to $3,750 of costs associated with transferring new or existing technology from a qualified applicant -- such as a public or private enterprise, laboratory, college or university -- to an enterprise based in Arkansas.

The Delaware Economic Development Office (DEDO) administers this Program designed to assist owners and developers and encourage the redevelopment of environmentally distressed sites within the State through a matching grant program.

Provides grants to encourage development of health information technology (HIT) and health information
exchange (HIE) in rural Arizona. The specific direction of each year’s grant program is tied very closely to
the initiatives outline in the Arizona Health-e Connection Roadmap (www.azhec.org) and is subject to change.

Eligible projects may include major expansion of an existing Kansas commercial enterprise, potential location of a major employer in Kansas, matching a significant federal or private sector grant, the departure or substantial reduction of the operations of a major employer or the closing of a major federal or state institution. Funding needs are considered upon application.

The Kansas International Trade Show Assistance Program (KITSAP) helps introduce Kansas companies to foreign markets through participation in international trade shows. Eligible companies are those whose products or services originate in Kansas or whose products receive substantial value-added processing in Kansas. After the company attends the trade show, the program will reimburse one-half of a company’s eligible direct expenses - up to $3,500 per show.

Proceeds may be used to cover the cost of having a qualified, independent third party provide professional services necessary to assist the applicant in evaluating the start-up, modernization or expansion of a dairy farm.

The purpose of the Hawaiian Governance Hale's small grants program is to provide a monetary incentive to encourage individuals and organizations to actively participate in the nation-building activities.

The purpose of the 2010 CACFP Child Care Wellness Grants (CWG) is to expand and complement established efforts to improve early child care nutrition environments and meals served to infants and children by following the most recent Dietary Guidelines for Americans and current scientific knowledge.